"Made me wonder if they even know their own policies sometimes..."
Yeah, I've had similar experiences—it's like the agents themselves get confused by all the fine print. When I insured my Audi last year, I asked specifically about coverage for aftermarket parts (I upgraded the wheels and suspension). The agent confidently said "no problem," but when I got the paperwork, it clearly stated aftermarket mods weren't covered unless explicitly listed. Glad I double-checked before something actually happened...
Speaking of tricky bits, has anyone here dealt with insuring luxury or performance cars in SD? I've heard some companies get picky about certain models or modifications. Curious if there's a particular insurer that's easier to deal with or more transparent about their coverage details.
I've been down that road with my AMG—honestly, most mainstream insurers in SD seem pretty clueless about performance mods. Ended up switching to Hagerty because they specialize in luxury and performance rides, and they actually understand aftermarket upgrades. Not the cheapest option around, but at least they're clear about what's covered. Might be worth checking out if you're tired of dealing with vague answers and fine print headaches...
"Not the cheapest option around, but at least they're clear about what's covered."
Fair point, but honestly, Hagerty feels a bit overkill if you're daily-driving your AMG. I commute in my modded GTI, and Progressive's been surprisingly chill about aftermarket stuff—just gotta be upfront from the start. Cheaper too...more gas money for me.
"Fair point, but honestly, Hagerty feels a bit overkill if you're daily-driving your AMG."
True, Hagerty typically caters to collectors or weekend cruisers rather than daily drivers. They're solid for agreed-value policies and specialized coverage, but if you're logging regular mileage in your AMG, you might find better value elsewhere. Progressive can indeed be accommodating with modifications, provided they're declared upfront as you've mentioned. However, keep in mind that the flexibility with aftermarket parts can vary significantly by state regulations and individual policy terms.
Speaking of South Dakota specifically—does anyone know if insurers there have specific restrictions or requirements when it comes to modified vehicles used as daily drivers? I've seen some states get pretty particular about aftermarket add-ons, especially performance-related mods...
Yeah, good points all around. I've had my share of headaches insuring modded cars—especially performance-oriented ones. Progressive was pretty chill about my mods as long as I was upfront, but SD can be a bit quirky with their rules. From what I've seen, they're not super strict compared to places like Cali, but some insurers might ask for extra documentation or inspections if you've got serious performance upgrades. Just something to keep in mind...
